The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,772
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,293
−HK$530/mo
Today · 4.125%
HK$17,823
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,646/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$507/mo
Today · 4.125%
HK$19,666
baseline
▲ 0.50% · 4.625%
HK$20,703
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,332/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,126
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,752
−HK$636/mo
Today · 4.125%
HK$21,388
baseline
▲ 0.50% · 4.625%
HK$22,689
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,776/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,390
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,990
−HK$609/mo
Today · 4.125%
HK$23,599
baseline
▲ 0.50% · 4.625%
HK$24,843
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,198/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,480
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,210
−HK$743/mo
Today · 4.125%
HK$24,953
baseline
▲ 0.50% · 4.625%
HK$26,471
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,906/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,121
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,822
−HK$711/mo
Today · 4.125%
HK$27,533
baseline
▲ 0.50% · 4.625%
HK$28,984
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,066/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,189
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,128
−HK$954/mo
Today · 4.125%
HK$32,082
baseline
▲ 0.50% · 4.625%
HK$34,034
+HK$1,952/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,164/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,585
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,485
−HK$914/mo
Today · 4.125%
HK$35,399
baseline
▲ 0.50% · 4.625%
HK$37,265
+HK$1,866/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,798/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,653 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).